Select Portfolio Servicing, Inc.

I am submitting this complaint regarding Select Portfolio Servicing, Inc. ( SPS ) based on significant inconsistencies in its representations regarding authority, ownership, and account status. SPS has asserted that a foreclosure sale occurred in or around XX/XX/XXXX. However, SPS continues to issue escrow statements and payment demands as recently as XX/XX/XXXX, which directly contradicts its claim that the property was sold. In addition, SPS previously relied on a recorded XXXX XXXX XXXX ( XXXX XXXX. XXXX ) to justify actions related to the account. A certified XXXX XXXX XXXX Recorder Certificate of No Record ( dated XX/XX/XXXX ) confirms that no such instrument exists associated with the subject property or borrower. Public record review further indicates that this instrument is associated with a different individual and property, with no apparent connection to the subject title.…

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I am filing a complaint against Select Portfolio Servicing , Inc. ( SPS ) regarding their handling of an insurance loss payout for my property, which was a 100 % total loss. Throughout the entire rebuild process, SPS has used delay tactics that have slowed access to insurance proceeds needed to complete reconstruction. The most recent and significant issue involves the reimbursement for completed septic work. Despite providing documentation showing that all work was fully completed and code-compliant, SPS has continued to withhold funds since XX/XX/2026. The remaining mortgage balance on the property is approximately {$7500.00}, yet SPS continues to hold funds far exceeding this balance without providing any reasonable explanation. Additionally, SPS has refused to provide any method of written communication and has locked me out of the online account portal. These delays are creating a substantial financial burden and preventing completion of the rebuild.…

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I am submitting this complaint regarding Select Portfolio Servicing, Inc.s handling of my loss mitigation process and the loan modification outcome offered on my mortgage. I submitted a Notice of Error and inquiries regarding loss mitigation review and escrow concerns. SPS issued a written response dated XX/XX/year>, stating that no errors occurred and presenting a permanent loan modification offer with a monthly payment of {$12000.00} beginning XX/XX/year>. The offered modification payment is unaffordable and does not resolve my financial hardship. Despite SPS acknowledging my hardship and completing a review, the proposed payment far exceeds my reasonable ability to pay on a sustainable, longterm basis. Accepting a modification with an unaffordable payment would be foreseeably unsustainable and would result in redefault.…

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XX/XX/year> prior months my homeowners insurance went up {$200.00} I was told by sps. I contacted XXXX and my mortgage was reduced {$130.00} dollars. However my mortgage never was reduced. My balance of {$75000.00} on my home has not changed in 3 years. Im XXXX XXXX XXXX XXXX Im not understanding this situation. My mortgage amount isnt declining. It went from {$50000.00} all the way back up to {$75000.00}. I live in XXXX Ohio

Was sick & tried to improve property value- which I did- got really behind Had to Pay Select Portfolio Servicing ( {$35000.00} 0 or face legal action- to reinstate loan end of last year & now almost broke. We desperately NEED a refinance!! / Select Portfolio Servicing told me last I was qualified for a Modification- I applied - 30 days later they denied me- 30 days after they threatened me to Pay {$35000.00} to re-instate the loan of face Foreclosure ( on credit report but did NOT happen )- They then DOUBLED our Payment - Been looking for " HELP " ever since. PLAESE!!! Would like to leave Taxes & Insurance OFF!! I really don't think the so called Underwriters are willing to really HELP People in my position with financial setbacks.…

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* * XXXX : * * XXXX XXXX * * XXXX XXXX. : XXXX XXXX XXXXXXXXXXXX XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX To Whom It May Concern : This letter is submitted as a renewed and expanded consumer complaint to the Consumer Financial Protection Bureau and as a formal Notice of Error and Request for Information to Select Portfolio Servicing , Inc. under the Real Estate Settlement Procedures Act and Regulation X, including 12 C.F.R. 1024.17, 1024.35, 1024.36, and 1024.37. A servicer must comply with a written notice of error that identifies the borrower, the loan, and the asserted error, and must likewise comply with a written request for information that identifies the borrower, the loan, and the requested information. CFPBs current Regulation X pages state exactly that for notices of error and requests for information. ( [ Consumer Financial Protection Bureau ] [ 1 ] ) SPS has been on notice of these servicing problems since at least XX/XX/XXXX.…

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ERROR NO. XXXX FAILURE TO CONDUCT A REQUIRED REVIEW OF CURRENT INCOME AND FINANCIAL CIRCUMSTANCES BEFORE CLOSING MY FILE SPS closed my loss mitigation file on XX/XX/2026 citing a withdrawal of my assistance request. However, SPS failed XXXX conduct a current review of my financial file prior to taking this action. My income has changed significantly since my file was last reviewed and I am now able XXXX make the original loan payment which, my last review was a year ago under completely different financial circumstances. Under CFPB guidelines and Regulation XXXX ( XXXX XXXX XXXX ), servicers are required XXXX conduct a complete and current evaluation of a borrower 's financial circumstances before making loss mitigation determinations. A file review based on outdated income information does not constitute a complete review XXXX is therefore an error in the servicing of my loan.…

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Statement of Fact : I am filing this complaint because Select Portfolio Servicing ( SPS ) has failed to conduct a " reasonable investigation '' of a formal Notice of Error ( 12 CFR 1024.35 ) received by them on XX/XX/year>. My dispute identified a critical error : SPS offered a 90-day " bridge '' forbearance for a medically certified XXXX intensive XXXX protocol for my son. I provided an oncologist 's certification from XXXX XXXX XXXX XXXX stating my presence is " medically necessary '' for 45 clinic visits per week, making full-time employment impossible for the next 12 months. The Violation : XXXX In their " Dispute Resolution '' letter dated XX/XX/year>, SPS stated they completed a " full review '' and determined " no error occurred. '' However, in the section " Documentation Relied Upon, '' SPS failed to include or even reference the oncologists letter or the treatment plan provided. By their own admission, they ignored the primary evidence of the dispute.…

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I have a home at XXXX XXXX XXXX XXXX XXXX nc XXXX, the lender SPS keeps placing insurance on the home because they say i dont have insurance. The problem is my house is at XXXX XXXX XXXX XXXX the lien/ title etc all show this since i bought the home, check original documents.... but the lender has changed my address to XXXX XXXX XXXX XXXX somehow and thats the problem.... my formost insurance is covering my house at XXXX XXXX and because they slipped and have the incorrect address they are causing me this stress and forclosure mess... i have asked called and called spent hours and hours on the phone ran around all over town because they said I need to fix this or prove where my house is.... my home is XXXX i have insurance on my home my lien is this address from original purchase I have not moved my home... i request to have this lender insurance removed but they wont help i uploaded all documents etc.…

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Select Portfolio Servicing has been placing payments made by the Trustee and XXXX and XXXX XXXX, into an 'unapplied ' status causing the mortgage interest and fees to increase. Select Portfolio Servicing has been paying the property taxes inconsistently from XXXX to XXXX causing a surge to the homeowner escrow payments due and which results in unaffordable monthy payments. Select Porfolio Servicing would have recieved those escrow payments being included in the bankruptcy submitted by the courts and was not applied correctly to the escrow balances, which resulted in an unnecessary Home modification on XXXX occassions, the most recent being in XX/XX/XXXX, to cause the homeowners stress to foreclose or sell.

I am submitting this complaint regarding my mortgage servicer, Select Portfolio Servicing ( SPS ), for mishandling my mortgage assistance application and potentially violating required loss mitigation timelines while my property is in active foreclosure status. I submitted a complete mortgage assistance ( loss mitigation ) application on or around XX/XX/year>, which included all required supporting documentation such as income verification and bank statements. These documents were sent via overnight delivery in good faith to ensure timely review due to my scheduled foreclosure sale date of XX/XX/year>. This was all in an attempt to get reevaluated for a second loan modification. I was late with my payment which automatically restarted the process. At this time, I have reason to believe my submitted documentation was not properly received or processed.…

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XX/XX/year> Subject : Complaint Against Select Portfolio Servicing , Inc. Failure to Recognize Successor in Interest, Provide Required Information, and Improper Denials Dear Consumer Financial Protection Bureau XXXX I am submitting this complaint against Select Portfolio Servicing , Inc. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, UT XXXX, for ongoing failures to comply with federal mortgage servicing requirements, including failure to properly evaluate documentation, failure to respond to written requests, and refusal to recognize my rights as a Successor in Interest. Summary of Issue For over two and a half years, I have made repeated attempts to resolve issues related to my mortgage account. The most recent attempt with SPS submitting was on XXXX, 2026.…

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I have called SPS XXXX on XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I bought my property in XXXX. I am required to use the mortgage escrow for property taxes and insurance for two years. The prior owner owned this property for 50 years, so the property tax assessment is {$9400.00} based on her history. My supplemental assessment is {$19000.00}. My home owner 's annual insurance premium is {$4500.00}. Combined, my tax and insurance obligation is {$33000.00}. I pay $ XXXX to escrow, or {$33000.00}. In or about XX/XX/XXXX or XX/XX/XXXX I uploaded a copy of my supplemental tax assessment to the SPS client portal so they could pay it. You can not see what has been uploaded so I called on XX/XX/XXXX to ensure it was received. I was told it was received and they would pay it. On XX/XX/XXXX, a week prior to the due date, I called to see why it wasn't paid. They told me I " wasn't signed up for payment of supplemental taxes.…

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Faxed in modification XXXX, prior to sale date 37 days, received letters XX/XX/year>XXXX received paperwork, per law has to be reviewed, talked to rep at SPS XXXX said never received SEE ALL PROOF! Had renter been trying to get out for not paying reason for delinquency, just need help with modification.

Complaint Against : Select Portfolio Servicing , Inc. XXXX XXXX XXXX XXXX UT XXXX I am filing this complaint regarding the servicing of my mortgage loan and the handling of my loss mitigation request by Select Portfolio Servicing , Inc . I proactively contacted the servicer on XX/XX/XXXX, as I knew my income stream was changing as I had not been employed since XX/XX/XXXX. I had been living on my savings and investments. I would be eligible for social security benefits as I turned XXXX on XX/XX/XXXX, with a substantial monthly payment. I, also, am working to have extra income by investing as my investment is not counted income by the XXXX for tax purposes. I filed in XXXX but did not know I would not be paid until XX/XX/XXXX. I had requested that my monthly -mortgage payment be adjusted to reflect substantial reductions in my property taxes and homeowners insurance costs.…

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Company : Select Portfolio Servicing , Inc . I am filing a complaint regarding improper mortgage servicing, misapplication of payments, and incorrect late fee assessment by Select Portfolio Servicing. In XX/XX/year> I mailed my mortgage payment as usual, on XX/XX/XXXX. I later discovered on XX/XX/year> that the payment had allegedly not been processed. I was informed by representatives that the check had been received but was considered illegible, yet I was never notified that the payment had not been processed. I only discovered the issue after my credit score dropped due to late reporting. Immediately upon learning this on XX/XX/year>, I sent a replacement payment for XXXX. My XXXX payment had already been mailed on XX/XX/year>. A payment of {$6200.00} was debited from my bank account on XX/XX/year>, which was within the grace period that extends until the XXXX of the month. Therefore the XXXX payment was not late.…

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FEDERAL CONSUMER PROTECTION VIOLATION NOTICE AND FORMAL DEMAND FOR SERVICING REVIEW Borrower : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TO : Select Portfolio Servicing , Inc . Attn : XXXX Department XXXX XXXX Department RE : Notice of Potential Violations of Federal Consumer Protection Laws PLEASE TAKE NOTICE that the borrower, XXXX XXXX, formally disputes the foreclosure actions currently being pursued against the above-referenced property and provides this notice of potential violations of federal consumer protection laws. The property located at XXXX XXXX XXXX XXXX sustained a catastrophic residential fire on XX/XX/XXXX resulting in extensive structural damage and hazardous environmental contamination. Environmental testing conducted following the fire confirmed the presence of hazardous substances including asbestos, dioxins, and furans within the property.…

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To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department To : SPS Servicing From : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department at XXXX XXXX : I am XXXX XXXX and I am the owner of the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am in receipt of your notice of transfer from Select Portfolio Servicing ( SPS ), effective XX/XX/XXXX. Consider this your formal warning : This loan is currently subject to a pre-existing and active Hardship Dispute that I filed with SPS on XX/XX/XXXX. SPS attempted to XXXX XXXX XXXX this debt onto your books specifically to circumvent a XXXX legal stay I requested following a catastrophic XXXX XXXX industrial tort. As the XXXX in XXXX, you are now legally tethered to this dispute under RESPA. Notice of Intent to File XXXX Pendens : If XXXX XXXX attempts to move XXXX inch toward foreclosure, I am prepared to immediately file a Lis Pendens against the property title.…

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We have attempted for an extended period of time to resolve issues with our mortgage loan serviced by Select Portfolio Servicing ( SPS ). My husband and I are permanently XXXX and live on fixed Social Security XXXX income. We experienced a temporary hardship but have consistently communicated with SPS and submitted all requested documentation in an effort to resolve the account. Despite our full cooperation, SPS repeatedly requested documents that had already been submitted and kept our loss mitigation application in review without providing a clear approval or denial. Their internal servicing notes show numerous borrower contacts, document submissions, and hardship discussions, yet the review process was never properly completed. SPS recently responded to our CFPB complaint but did not provide a complete accounting of the loan.…

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Per RESPA I sent a letter requesting Select Portolio Servicing rights to collect payments from for the loan # XXXX Select Portfolio Servicing sent me the attached letter that does not show Select Portfolio Servicing is the owner of the loan, It does not show the transfer of rights from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, of which both are no longer in business. How did Select Portfolio Servicing get the rights to my loan and to collect payments from XXXXXXXX XXXX XXXXXXXX XXXX. Select Portfolio Servicing is not listed on the Title, Deed or loan.

On XX/XX/year>, I mailed Select Portfolio Servicing ( SPS ) a Qualified Written Request / Notice of Error regarding my mortgage loan for XXXX XXXX XXXX, XXXX, MD XXXX. My letter requested specific information and raised servicing errors involving loss mitigation handling, denial reasons, investor restrictions, fees and advances added to the account, payment handling, foreclosure status, and appeal / review rights. SPS received the letter by certified mail, and I have proof of mailing and delivery. As of XX/XX/year>, SPS has not provided a complete item-by-item written response to that XX/XX/year> correspondence. Instead, SPS sent acknowledgments, mortgage statements, noteholder information, copies of prior denial letters, and document packets. Those mailings appear to be partial responses only and do not fully answer the issues and requests in my original letter. This complaint is not about the original denial alone.…

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I obtained a loan through XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The payment was around XXXX a month. They sold the loan to another bank. That bank then sold it again to XXXX XXXX XXXX. XXXX XXXX XXXX I have an autopay and they are starting to take an extra {$410.00} a month. I provided them with my XXXX insurance as they said they were going to force insurance. They accepted my insurance and said that was not the increase of the {$410.00}. They claim XXXX XXXX sold the loan with a XXXX escrow balance. I have no impounds and pay the taxes and insurance on my own. XXXX confirmed that was the case and there was nothing owed. I have called Select Profolio over 5 times and they have been taking an extra XXXX a month out of my account and I can not get them to stop. The loan is under XXXX XXXX XXXX XXXX, I am one of the XXXX XXXX XXXX XXXX that holds the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX.…

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On XX/XX/XXXX I requested documentation of who owns my mortgage. Not the servicer but the legal note holder. I sm looking into refinancing my home and I want to know who owns the loan and if the loan was forgiven or deemed non collectible through the XXXX mortgage scam court action against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX thru XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX owned the loan from XXXX thru XXXX Both Banks are no longer in service and their mortgages were deemed illegal by the federal courts. Who is the owner of my loan? Select Portfolio Servicing is collecting mortgage payments illegally from me, if the loan was discharged by the federal courts

On XX/XX/XXXX I made a principal and interest payment of {$1000.00} for XX/XX/XXXX and an additional principal and interest payment again it {$1000.00} for XX/XX/XXXX. They did not apply the payments like I asked. I am current and only due for XX/XX/XXXX. They are reporting me XXXX months behind incorrectly. I am very upset because I have called them over and over and over again to fix this.

They have a predatory behavior. As a mortgage servicer that often handles loans that have been transferred, or those in escrow, or the loan balance is not decreasing. Extremely Poor Customer Service : staff is rude, an providie conflicting information with Escrow report that SPS failed to pay property taxes or homeowner 's insurance on time, despite escrow accounts being properly funded, leading to potential, or actual, tax liens and late charges. I'm having difficulty with payments and that payments are not applied correctly therefore creating no movement in actual payoff balance due not decreasing, money is being moved around in a nefarious way!!! Causing the consumer XXXX of dollars

XX/XX/XXXX To Whomever this May Concern : I have a conventional mortgage loan and Select Portfolio Servicing is the servicer. I have been in a Request for Mortgage Assistance Application status since XXXX of XXXX. Even though, I have submitted all required documents, they continue to ask for more. Each time I answer a question or provide a document, its never enough. I believe they have everything they need to make a decision. We have sent taxes, paystubs, a mortgage application twice, answered all of their questions ( which some could be answered by looking at documents already provided ). I have requested to make payment and they have refused to accept any partial payment, at this time. Fees and charges have been accruing since XXXX of XXXX, which just makes the re-instatement amount thousands of dollars more. They have also reported me to the credit bureau, even though Im in XXXX status and they wont accept payment.…

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On XX/XX/XXXXXXXX I received a Annual Escrow Account Statement from Select Portfolio Servicing ( SPS ) for my primary home. According to that Statement, I had been paying {$830.00} as Monthly Mortgage Escrow for a 12 Month total of {$9900.00}. Those numbers are incorrect. I contacted SPS to request a correction. SPS had used the incorrect numbers were used by to claim there had been a change of {$8600.00} in tax payments and I had a shortage in my account of {$8300.00}. Currently, SPS is improperly charging me approximately $ XXXX monthly in excess escrow payments based on SPS incorrect numbers. SPS would not correct the Escrow Statement- but they provided me with my Account Statement that confirmed I actually paid {$16000.00} in escrow for XXXX. I then wrote back to SPS to again respectfully request a correction. On XX/XX/XXXX, SPS wrote back saying its numbers are accurate and it will not make any changes. I wrote back to SPS on XX/XX/XXXXXXXX and XXXX.…

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The company ask me to bring in {$22000.00} to cure my loan which they already filed a motion to release from stay so they can process a foreclosure Now that my XXXX XXXX has been fully discharged and I made the cure amount now SPS is taking part of my XXXX Payment and applying {$1000.00} some where which I have no idea and neither do they. This is very serious they gave the Trustee an amount for me to cure my loan and I did just that. The Attorneys signed off what I needed to bring in to cure the loan. After paying the {$22000.00} I have a executed discharge letter. Now their making my account delinquent by taking part of my XXXX payment and applying {$1000.00} some where making my account short If you need my mortgage statements after my discharge XXXX XXXX and my payment history please let me know. Please do not SPS feed you wrong information to cover themselves. Thanks XXXX XXXX

I made several principal and interest payments to catch up on my payments. I clearly stated several times that my payments were principal and interest only and they applied it how they wanted to. This has happened several times and I am tired of it! Please help hold them accountable. They cause people to loose their homes due to their negligence. Please help me. I have been sick and struggling with trying to do the right thing and their customer service most times are untrained rude people. Please help me. Thanks.

On XX/XX/year>, we submitted a full independent third-party appraisal supporting a {$170000.00} short sale offer. The offer matches the appraised market value. SPS has stated they are waiting on investor approval for XXXX XXXX Mortgage XXXX XXXX. As of XX/XX/year>, nearly XXXX days later, no written decision or timeline has been provided. The delay is placing the transaction at risk and causing financial hardship. I am requesting written confirmation of the date the file was submitted to the investor, the investors decision deadline, and a formal written status update.